Important Deadline
Opt-out, Opt-in, Plan Changes & Family Coverage applications closes on October 1, 2026 for September starting
students.
Domestic full-time students in post-secondary programs starting in September or January are eligible for Extended Health and Dental plan coverage which is facilitated by Alumo.
Your Coverage
For detailed coverage, please refer to the Domestic Plan Booklet
Eligibility
You are automatically enrolled and charged insurance fee if you are:
- A full-time domestic student in a post secondary, postgraduate and degree program
- Starting in September or January
You may not be automatically eligible. See details below under Opt-in.
Students beginning their studies in the May (Spring) semester are not eligible for the Domestic Student Health & Dental Plan. Students in this category may be eligible for the plan starting in September as long as you will be full-time student.
Domestic Student Opt-In
If you were not automatically enrolled, you may be eligible to opt in to the Extended Health & Dental Plan. You will need to complete the opt-in online application and submit supporting document.
Once the application is approved, you will be requested to submit health plan premium by the stated deadline of your initial semester.
Select the option that applies to you:
- Registered under Accessible Learning Services
Students registered with Accessible Learning Services who have a reduced course load may be eligible to opt in. Opt-in form: Modified Course Load Opt-In Online Application. - Transition to Post-Secondary Education program
Students enrolled in the Transition to Post-Secondary Education (TPE) program are not automatically enrolled but may be eligible to opt in. Opt-in form: T.P.E Student Opt-In Online Application. - Co-op students
Students on a Co-op placement during the initial semester of their academic year are not automatically enrolled but may be eligible to opt in. Opt-in form: Co-Op Student Opt-In Online Application - Previously opted Out
If you previously opted out and now require coverage, you may request to rejoin the plan. Applications must be submitted starting the first week of your initial semester or within 31 days of losing your alternative coverage. Opt-in form: Rescind Waiver Online Application.
Domestic Student Opt-Out
If you have a comparable alternative coverage and do not need the student plan, you can opt-out from the Extended Health and Dental plan at alumo.ca by the deadline of your initial semester.
⏳ Processing Time
Applications are reviewed by the insurance provider after the opt-out deadline has passed. Please allow time for processing before contacting our office. In general, students can expect to receive their insurance fee refund by the beginning of November if they opt out during the Fall semester, and by the beginning of March if they opt out during the Winter semester.
Important Note:
Please note the successful opt-out will be permanent record on GBP system, which means eligible full-time domestic students won’t be charged health benefits fee automatically and won’t have health benefits if they enroll to GBP in the future. If those domestic students would lose their coverage in the future and would need the coverage from school during their study, they would need apply for opt-in health plan at every initial semester of their academic year.
Quick Links
Family coverage
Any students under our student plan can purchase the dependent coverage for their family members (spouse, common-law partner and/or children). To obtain more details about the costs and the application portal, please visit www.alumo.ca
Change your plan – Extended health & Dental
All eligible students are automatically enrolled in Balance Plan. You can choose one of the other Enhanced Plan options that best suits your needs during your starting semester by the deadline.
Balanced
Plan
Enhanced
Drug Plan
Enhanced
Dental Plan
Enhanced Extended Health CarePlan
Note: Your choice will be valid for your entire policy year only. You will need to reapply the next policy year, if you wish to change your plan again
To learn more about the differences in these plans and change your plan, please visit the Alumo website: www.alumo.ca
How to submit claims
If the service provider is unable to the direct billing, you will need to pay the full amount and keep the receipts to submit a claim before the claim deadlines. Please review the policy booklet for specific deadlines.
Extended Health and Dental claim
You can submit these claims online through the Desjardins insurance’s online portal or through the Omni mobile app
Common Questions
Am I automatically enrolled in the Domestic Student Plan?
You are automatically enrolled to the Student Plan if you were automatically charged with insurance fee on your starting/initial semester. Please check your Stu-view for your breakdown of fees.
I was charged with insurance fee but the plan is not yet active?
The eligible list is sent by the college to Alumo which may take 2-3 weeks from the start of the term. If you will need to seek medically covered expenses during that time and you are eligible to the plan, kindly keep the receipts and submit claims once your plan is active.
Where is my payment/benefit card?
To access your payment/benefit card, register for the Desjardins Insurance’s online portal or Omni mobile app.
Need to Know
📢 Important Information Students should be aware of information regarding their Health Benefits for the start of Fall 2026 semester.
Domestic Student Updates International Student Updates
📅 Deadlines
September starting: October 1, 2026
January Starting:
February 4, 2027
May starting:
International students only!
🕒Fall hours
Casa Loma, Waterfront
St. James Campuses
Monday to Thursday
10 a.m. to 4 p.m.
Friday: 10 a.m. to 3 p.m.